Subject: File No. S7-14-08
From: Oanh K Dao

October 20, 2008

Dear SEC:
I believe the American people now more than ever will need the safety and guarantees that the FIXED INDEXED ANNUITIES provide them, while still be able to have the potential growth of the market in order to retire in dignity.

By NOT requiring the Sales Agents to get a Security License, it will allow more agents to help more people to reach their financial goals, while still be protected against the fluctuations of the market.

That's why we are AGAINST Rule 151A.

THank you